Here's what you need to know when driving in Florida
In Florida, auto insurance costs $2,425 a year on average — that's 59% more than the national average. Car insurance rates are determined by many factors, including a driver's age, driving history and location. To help you find an affordable policy, we analyzed average Florida car insurance rates to give you a frame of reference to determine whether what you're paying is fair.
Continue reading to learn how much auto insurance costs in Florida, or if you're ready to see how much you can save, submit your ZIP code above to receive personalized quotes from top insurance companies.
The best car insurance companies in Florida
Here are the top three car insurance companies in Florida, according to third-party customer satisfaction ratings from J.D. Power.
Not only did USAA receive a score of 884 (out of 1,000) in J.D. Power's 2022 U.S. Auto Insurance Study for the state of Florida, it also won top marks in The Zebra's Customer Satisfaction Survey.
The Hartford was a runner-up in J.D. Power's 2022 auto study, scoring 860 out of 1,000.
Coming in third place with a score of 849 in J.D. Power's 2021 customer satisfaction survey, Allstate is among the most popular insurance providers.
The cheapest car insurance companies in Florida
These companies offer the cheapest rates in the following scenarios.
Travelers' average monthly cost of $169 is cheaper than Florida's average of $202 a month.
We found that Travelers has the most affordable rates following an at-fault accident or DUI.
Insuring young drivers between the ages of 16 and 19 can be exorbitantly expensive. GEICO provides the lowest rate, at $454 per month or $5,453 annually.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Florida auto insurance laws
Car insurance is mandatory in almost every state. In Florida — which is a no-fault state — the requirements for car insurance coverage differ from most other states. Rather than requiring bodily injury liability coverage (which is usually mandatory), Florida doesn't require it. Instead, personal injury protection (PIP) is relied upon to cover injuries.
If you choose the legal minimum coverage level in Florida, expect to pay an average of $754 annually. This rate is less expensive than the nationwide average by 51%.
For the legal minimum coverage level in Florida, expect to pay about $754 per year.
State minimum coverage
In order to drive legally in the state of Florida, you must carry at least the minimum liability limits listed below:
- Property Damage Liability: $25,000 per accident
- Personal Injury Protection: $10,000 per person
Optional coverage in Florida (varies by carrier):
- Bodily injury liability
- Medical payments
- Roadside assistance
- Uninsured/underinsured motorist coverage
If you want more robust protection and coverage, you can choose a policy with comprehensive and collision, which will protect you against the costs of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.
Just keep in mind that better coverage comes at a cost: in Florida — which already tends to be an expensive state for auto insurance — a comprehensive insurance policy with a $1,000 deductible costs $2,268, 201% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 232% more than you would for basic coverage.
In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,268, 201% more than liability-only car insurance.
Compare car insurance rates from the best companies in Florida.
Florida car insurance premiums by rating factor
A number of individual factors go into calculating what you pay for auto insurance, including your coverage level, driving history, location and more. To get a better idea of how much you should be paying in premium in Florida, we gathered average rates by rating factor below.
Cheap auto insurance in Florida for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Florida, the average cost for minimum coverage is $63 per month, or $754 yearly — a savings of $1,749 compared to full coverage.
Cheap auto insurance in Florida with bad credit
In almost all states, your credit score is a factor that affects your rate. This is because data informs insurance companies that drivers with poor credit tend to carry more risk, and thus, rates are much higher if you have bad credit. On average, Florida drivers with poor credit pay $2,533 more every year than those with great credit. Take a look at how different companies charge those with bad credit below.
Cheap auto insurance in Florida with an at-fault accident
A history of accidents or tickets can play a big role in how much you pay. This is because your driving history is another indicator of risk — and risk is something insurance companies want to avoid. Having a recent at-fault accident in your driving record could raise your premiums by as much as $992 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Florida
Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Florida, teen drivers between the ages of 16 and 19 pay $6,295 per year — which is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would pay.
Florida auto insurance rate by violation
When you receive a ticket, your car insurance rates will probably go up. How much your rate will increase depends on the violation, your car insurance company's pricing standards and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Florida after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,923||0%||$0|
|Two Med/PIP claims||$3,139||7%||$216|
|One comp claim||$3,159||8%||$236|
|Two comp claims||$3,256||11%||$333|
|Child safety restraint||$3,306||13%||$383|
|Failure to wear a seat belt||$3,306||13%||$383|
|Driving without lights||$3,317||13%||$394|
|Failure to show documents||$3,317||13%||$394|
|Speeding 6 - 10 MPH over limit||$3,352||15%||$429|
|Passing school bus||$3,391||16%||$468|
|Wrong way/wrong lane||$3,406||17%||$483|
|Failure to yield||$3,411||17%||$488|
|Failure to stop at a red light||$3,411||17%||$488|
|Cell phone violation||$3,417||17%||$494|
|Following too closely||$3,417||17%||$494|
|Driving with expired registration||$3,417||17%||$494|
|Texting while driving||$3,427||17%||$504|
|Speeding 11 - 15 MPH over limit||$3,478||19%||$555|
|Driving too slowly||$3,506||20%||$582|
|Speeding in school zone||$3,506||20%||$582|
|Speeding 16 - 20 MPH over limit||$3,607||23%||$684|
|Speeding 21 - 25 MPH over limit||$3,630||24%||$707|
|Operating a vehicle without permission||$3,674||26%||$751|
|In 65 MPH zone||$3,878||33%||$955|
|At-fault accident - less than $1000||$4,122||41%||$1,199|
|At-fault accident - $1000-$2000||$4,201||44%||$1,278|
|At-fault accident - greater than $2000||$4,201||44%||$1,278|
|Refusal to submit to a chemical test||$4,488||54%||$1,565|
|Driving with a suspended license||$4,599||57%||$1,676|
|Leaving scene of an accident/hit and run||$4,705||61%||$1,782|
Florida DUI laws
In Florida, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance after a DUI violation can be a challenge. In fact, a DUI often triggers a bigger premium increase than most single road violations.
Low-cost car insurance after a DUI in Florida
If you're convicted of a DUI violation in Florida, it’s important to assess each of your insurance choices carefully. Car insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Florida, Travelers, advertises annual rates 35% less than the statewide average insurance rate with a DUI. The second cheapest insurer for auto insurance after a DUI in Florida is State Farm, while the most expensive is United, with prices 26% above average.
There is no insurer in particular that offers an inexpensive DUI car insurance rate that's comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.
Florida SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Florida to ensure that you remain insured.
Florida also has an FR-44 form, which is similar to an SR-22 except that it often requires much higher levels of liability coverage.
Finding cheap auto insurance with an SR-22 in Florida might require some research, but it could pay off in the end.
How to acquire an SR-22 or FR-44 in Florida
For currently insured drivers
If you possess an active auto insurance policy, requesting an SR-22 is straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from buying insurance from some carriers, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Florida in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Santa Rosa Beach, Florida, and the most expensive in Westview, Florida.
Have a look at the table below to see average car insurance costs in some of Florida's biggest cities.
Car insurance price trends in Florida
In Florida, average annual auto insurance costs increased by $101 in the past year. A typical Florida driver pays an average of $2,425 per year.
Year over year pricing trends in Florida gravitate from sharp increases — sometimes by as much as hundreds of dollars — and less commonly, slight dips. The steepest decrease occurred from 2013 to 2014, while the highest surge took place from 2015 to 2016. In contrast, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Florida||Yearly Change — Florida||Avg. Annual Premium — US||Yearly Change — US|
Some of the reasons for Florida's more expensive insurance costs include the state's higher levels of insurance fraud and its larger-than-average number of uninsured drivers.
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP code below to get started.
Florida car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Florida auto insurance.
Who has the cheapest car insurance in Florida?
Travelers has the cheapest rates in Florida for a full coverage policy. State Farm also offers rates that are lower than average. The best way to find the cheapest car insurance in Florida is to compare auto insurance quotes from as many companies as possible.
Why is car insurance so expensive in Florida?
Florida’s average insurance premiums are 59% above the national average. This is mainly due to the state's number of uninsured drivers, higher-risk drivers, unpredictable weather and mandatory insurance laws.
Is Florida a no-fault state for car insurance?
Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.
Save money on your next car insurance policy!
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.